This home is in St. Augustine.

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Active Under Contract

Active Under Contract·435 days on market

330 Trade Wind Lane

St. Augustine, FL 32080

$565,000$350/sqftEst. $3,007/moMLS# 2086172

Beds

Baths

1,616

Sq Ft

2021

Built

Garage

Pool

About this home

St. Augustine

Built in 2021, this 3BED/2BATH island cottage is built high, offers an open floor plan with vaulted ceilings, a spacious 2-car garage, and a split bedroom layout. Room for pool (renderings on file and estimate available upon request)! This home is nestled in a NO HOA neighborhood right between the intracoastal and the beach on a dead-end street. Walk or bike to the beach, coffee shops, restaurants and more! Multiple beach accesses (vehicle access and walkovers) to choose from nearby and boat launch to intracoastal waterway just 2 miles south! Equipped with outdoor shower, fruit trees and tropical plants. Modern living, coastal convenience and room to grow! **Transferrable 10-year Home Buyers Structural Warranty coverage in place (Warranty Effective Date 01/25/2022).**

Cost to own

Mortgage calculator

Home Price

$565,000

Down Payment: 20%

$113,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,872

Principal & Interest: $2,872

Est. Taxes & Insurance: $718

Estimated Total Monthly

$3,590

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$3,007

Property taxesest. at asking price, St. Johns County$752

Estimated total, before insurance$3,759/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Last sold: $525,000 in January 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$492,129	$492,129	—
2024	$455,878	$455,878	—
2023	$449,078	$449,078	—
2022	$460,783	$460,783	—
2021	$105,000	$88,000	—
2020	$80,000	$80,000	—

2024 property taxes (current owner): $5,999/yr

Estimated taxes if purchased at asking price: ~$9,000/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2021)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,801 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

May 7, 2025Listed$565,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$565,000

Price / Sq Ft$350

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,616

Total Structure Area2,462 sq ft

Acres0.18 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleCottage, Craftsman

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryW. D. Hartley

MiddleGamble Rogers

HighPedro Menendez

Community Information

Address330 Trade Wind Lane, St. Augustine, FL 32080

Area331-St Augustine Beach

SubdivisionHidden Harbor

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Lot Size7,840.8 sq ft

Lot Dimensions85x90

Parcel Number1758300050

ZoningSingle Family

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyAppliances, Lighting, Thermostat, Windows

ParkingAttached, Garage, Garage Door Opener, Off Street

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDisposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, Ice Maker, Microwave, Washer, Water Softener Rented

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySmoke Detector(s)